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Citi Strata℠ Card Review

Last Updated on May 13, 2026

Offer Rating

4.5/5

By Our Content Team

EDITOR

The Citi Strata℠ Card, from our partner Citibank, offers a compelling mix of elevated Points categories, a large welcome offer, and a lengthy intro APR period – making it a top contender for everyday spending.

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Citi Strata Card card art Rates & Fees

Citi Strata℠ Card

4.5 BCC Score
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on Citibank's secure site

Welcome Offer
Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Rewards Rate
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
Intro APR
0% for 15 months on Purchases and 0% for 15 months on Balance Transfers, then 18.49% - 28.49% (Variable)
Annual Fee
$0
Credit Score Needed
Excellent, Good
Card Brand
Mastercard
  • Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
  • Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
  • Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
  • No Annual Fee

Review additional details for Citi Strata Card

More Info

Pros

  • Enjoy a generous rewards structure and welcome offer.
  • Get a lengthy intro APR on both purchases and balance transfers.
  • Pay no annual fee.

Cons

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
  • There is a 3% foreign transaction fee.

OUR EXPERT REVIEW

Why We Like It

With no annual fee and generous Point-earning potential across popular spending categories, the Citi Strata℠ Card from our partner Citibank is a smart choice for anyone looking to earn meaningful rewards on everyday purchases while also benefiting from a lengthy intro APR period. To kick things off, new cardholders can earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening – a solid welcome offer given the relatively low spending requirement.

The Citi Strata℠ Card's rewards structure is where it really shines. Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

This card also comes with an intro APR of 0% for 15 months on Purchases and 0% for 15 months on Balance Transfers, 18.49% - 28.49% (Variable) thereafter – especially helpful for those looking to pay down a balance or make a large purchase interest-free. The Citi Strata℠ Card is designed to suit a variety of lifestyles, making it easy to rack up Points. Whether you’re booking travel, commuting to work, or stocking up on groceries, this card can fit seamlessly into your day-to-day.

Pros & Cons

Pros

  • Enjoy a generous rewards structure and welcome offer.
  • Get a lengthy intro APR on both purchases and balance transfers.
  • Pay no annual fee.

Cons

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
  • There is a 3% foreign transaction fee.

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